Capital West Mortgage Inc. Mortgage Lender Profile
Generally for Lower Mainland and urban British Columbia owners who cannot get conventional financing and have enough equity for a 75 percent loan.
Who they are
Capital West Mortgage Inc. Is a Vancouver-based real estate finance firm with three business lines: a commercial mortgage brokerage, investment services, and an Alternative Mortgage Centre for borrowers who cannot get conventional financing. It manages more than $280 million of private investor capital, mostly through Pacifica Mortgage Investment Corporation, which was incorporated in 1994 and is managed jointly by Capital West and BlueShore Financial Credit Union. Investors can hold Pacifica shares in registered accounts such as RRSPs, RRIFs and TFSAs, or take part in syndicated private mortgages that the firm arranges.
What they lend on, and who for
Through Pacifica, the firm funds first and second mortgages on residential and commercial property, publishing a maximum loan-to-value of 75 percent and a target turnaround of 24 hours. Larger private mortgage placements are arranged for terms of up to 24 months. Pacifica's lending is concentrated in the large urban centres of British Columbia, particularly the Lower Mainland, so location matters here. The brokerage side of the business is separate: it places commercial, multi-family and seniors housing debt with institutional lenders, CMHC and private capital, rather than lending that money itself.
How to approach Capital West Mortgage Inc.
You can contact Capital West Mortgage Inc. yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Private · MIC |
| Registered as | Capital West Mortgage Inc. |
| Head office | 1050 - 475 West Georgia Street, Vancouver, BC V6B 4M9 |
| Website | capitalwest.ca |
| Phone | 604-899-3799 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for Capital West Mortgage Inc.
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with Capital West Mortgage Inc.?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about Capital West Mortgage Inc.
Is Capital West Mortgage Inc. a real mortgage lender?
Yes. Capital West Mortgage Inc. is a private (mic) based in British Columbia. Its own site is capitalwest.ca.
What kind of lender is Capital West Mortgage Inc.?
Private — categorised in our directory as MIC/Private. Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Should I go to Capital West Mortgage Inc. directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with Capital West Mortgage Inc. regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would Capital West Mortgage Inc. approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does Capital West Mortgage Inc. lend?
Its head office is in British Columbia. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would Capital West Mortgage Inc. take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file